Buying a Brand New Car through Loan

[elviar]

*Elviar

Ganun na nga po sir ang mangyayari. Either hintayin maexpire yung approval nyo sa PSBank and EastWest after 6 months or humanap na lang ng ibang bank.

Thanks. Buti na lang libre pa yung mga banks na mas mababa ang interests.

[secx]

Guys thanks sa suggestions niyo.
May slight problem po kami.
Naibigay kasi ni misis ang names and contacts namin dun sa unang casa na pinuntahan namin (Mitsubishi Pasong Tamo).
Ngayon napaapprove na nila kami sa bank nila which is BPI.

Ngayon nung nag aaply na ako direct sa bank, BPI din, hindi na daw pwede sa kanila dahil may nauna nang nag approve sa amin. Malaki po difference sa interest.

Dealer's BPI bank - 34% interest
Direct from BPI - 20% interest

Ang sabi po ng bank teller from 2nd bank is need daw namin hintayin magexpire yung approval ng 1st bank na 6 months pa. Paano po kaya magandang gawin dito?

Thanks!

ilang years po yang 34% at 20%? sa bank kasi kung san ako na approve ay 26% interest in 5yrs. mukang mas mababa ang bpi kung 5yrs rin yang 20%

[Lapella]

If you ask me, it's okay also to practice manual driving in a gas vehicle as this is more sensitive to pedal inputs over a diesel like the Adventure where you can barely stall the engine when you drop the clutch.

You mean Sir mas madali mamatayan pag Gas engine kesa Diesel. Ito ba yung sinasabi na from stop kaya ng Diesel 2nd gear agad unlike Gas na from stop kelangan 1st gear talaga. Napapansin ko sa Jeep 2nd gear na kagad. Di gumagamit ng 1st gear.

[eminem6480]

ilang years po yang 34% at 20%? sa bank kasi kung san ako na approve ay 26% interest in 5yrs. mukang mas mababa ang bpi kung 5yrs rin yang 20%

Sir pareho po yan na 4yrs. Saang bank ka sir na approve na may 26% interest?

[eminem6480]

Guys, OK na po kaya itong offer sa amin?

Adventure GLS Sports SE 2012
30% DP
24.9% interest rate, OMA, 5 years

Freebies:
- 55K discount
- 3M tint
- Free GPS USB software and activation
- 10K SM GC
- Free LTO registration for 3 years
- Rain visor
- EWD
- Seat covers
- 6K free gas
- Car cover


*Vinj
Toyota Innova sir ang offer ng Universal driving sa akin. Wala silang Adventure. Bout your info, mas madali po bang mamatayan ng makina sa gas compared sa diesel?

Thanks!

[GTi]

IMHO OK naman ang offer sa Advie.

About the stalling frequency between gas and diesel, mas mabilis ma-stall talaga ang gas. Especially with smaller gasoline engines, medyo mabilis lang ng konti sa pagtaas ng clutch tatalon-talon na. Kapag sa hanging, kailangan medyo mataas-taas ang rpm kundi mamamatay kaagad. That is because gasoline engines have most of their power available only at the higher end of the rpm range. Lack of enough power to move the car would result to stalling. No such problem with diesels. Even with old school diesels which don't have much power, you would hardly stall in traffic. Walang problema ang pagstart sa 2nd gear from standstill due to abundance of low end torque. More powerful diesel engines could even start from 3rd gear no problem.

[Lapella]

IMHO OK naman ang offer sa Advie.

About the stalling frequency between gas and diesel, mas mabilis ma-stall talaga ang gas. Especially with smaller gasoline engines, medyo mabilis lang ng konti sa pagtaas ng clutch tatalon-talon na. Kapag sa hanging, kailangan medyo mataas-taas ang rpm kundi mamamatay kaagad. That is because gasoline engines have most of their power available only at the higher end of the rpm range. Lack of enough power to move the car would result to stalling. No such problem with diesels. Even with old school diesels which don't have much power, you would hardly stall in traffic. Walang problema ang pagstart sa 2nd gear from standstill due to abundance of low end torque. More powerful diesel engines could even start from 3rd gear no problem.

Thanks for the info. Ang experience ko kasi sa driving is automatic when I was in Ireland. Right hand drive. Would you advise me to go with Diesel MT SUV? Hindi kaya ganun kahirap transition from AT to MT.

[secx]

Sir pareho po yan na 4yrs. Saang bank ka sir na approve na may 26% interest?

sa psbank po... pero may mas maganda daw offer yung boc try mo rin

[GTi]

Thanks for the info. Ang experience ko kasi sa driving is automatic when I was in Ireland. Right hand drive. Would you advise me to go with Diesel MT SUV? Hindi kaya ganun kahirap transition from AT to MT.

A diesel M/T SUV would be more fuel efficient, low maintenance and durable than their A/T counterparts. I also learned driving A/T cars first before learning manuals. I had a basic 5 hour driving school course first so I could firmly grasp the basics of driving clutch.

[redefine]

Guys, OK na po kaya itong offer sa amin?

Adventure GLS Sports SE 2012
30% DP
24.9% interest rate, OMA, 5 years

Freebies:
- 55K discount
- 3M tint
- Free GPS USB software and activation
- 10K SM GC
- Free LTO registration for 3 years
- Rain visor
- EWD
- Seat covers
- 6K free gas
- Car cover


*Vinj
Toyota Innova sir ang offer ng Universal driving sa akin. Wala silang Adventure. Bout your info, mas madali po bang mamatayan ng makina sa gas compared sa diesel?

Thanks!

Sir saan pong bank itong 24.9% OMA in 5yrs? Thanks!